First United (FUNC)
Nasdaq Market Closed
First United Corp is a US community banking company that operates through First United Bank & Trust. The business serves individuals, small businesses, local organisations and commercial customers with a traditional mix of deposit, lending and advisory services. Its core banking products include checking accounts, savings accounts, money market accounts, certificates of deposit, consumer loans, commercial loans, residential mortgages, home equity lines of credit and construction financing.
The company’s main source of revenue is its community banking operation, which earns interest income from loans and investment securities and fee income from customer services. First United focuses on relationship-based banking, a model in which local market knowledge and customer retention are important drivers of loan growth, credit quality and deposit gathering. Its borrowers include households, entrepreneurs, builders, professional firms and not-for-profit organisations.
First United also operates a wealth management segment, broadening its role beyond basic banking. This area can include trust, investment management, retirement planning and related financial services for individuals and institutions. The segment gives the company exposure to fee-based revenue, which can help diversify earnings from the interest-rate-sensitive banking business.
As a regional financial institution, First United is closely tied to economic conditions in the communities it serves. Loan demand, deposit costs, credit losses, real estate activity and interest rate movements all influence performance. The company is distinctive for its local banking emphasis, combining everyday financial products with commercial lending and wealth services under a community-focused model.
Last updated
- Market Cap
- 245.75M
- P/E
- 9.69
- P/FCF
- 11.15
- P/S
- 1.99
- Enterprise Value
- 207.05M
- Sector
- Financials
- Industry
- National Commercial Banks
- Address
- 19 S SECOND ST, OAKLAND, MD, 21550
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- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- 245.75M
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- 207.05M
- P/E
P/E ratio compares a company's share price to its earnings per share.
- 9.69
- P/B
P/B ratio compares a company's share price to its book value per share.
- 1.2
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 1.99
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- 6.15
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 1.68
- EPS
- 3.94
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 2.54%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- 11.15
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- 9.33
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- 22.04M
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 12.36%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- 1.24%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 0.25
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- 19.1
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- 19.1
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- 4.55
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- 13.25K
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 38.12
Income Statement
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Revenue | 31.05M | 31.39M | 31.1M | 29.96M | 28.98M |
| Gross profit | 23.41M | 23.22M | 22.74M | 21.79M | 20.93M |
| Operating income | 8.84M | 7.63M | 9.24M | 7.96M | 7.7M |
| EBITDA | 8.84M | 7.63M | 9.24M | 7.96M | 7.7M |
| Net income | 6.66M | 5.78M | 6.95M | 5.98M | 5.81M |
| Basic EPS | 1.03 | 0.89 | 1.07 | 0.92 | 0.9 |
| Diluted EPS | 1.03 | 0.89 | 1.07 | 0.92 | 0.89 |
Balance Sheet
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Total assets | 2.04B | 2.09B | 2.02B | 2.01B | 1.98B |
| Total liabilities | 1.83B | 1.88B | 1.82B | 1.82B | 1.8B |
| Total equity | 205.26M | 203.63M | 200.79M | 191.15M | 183.69M |
| Cash & equivalents | 89.22M | 129.83M | 92.27M | 77.31M | 82.81M |
| Current assets | 374.18M | 415.78M | 378.7M | 364.47M | 365.39M |
| Current liabilities | 19.59M | 17.66M | 20.21M | 50.95M | 20.34M |
Cash Flow
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating cash flow | 13.92M | 9.9M | 1.52M | 995K | 6.97M |
| Investing cash flow | -4.39M | -25.56M | 6.95M | -26.21M | -3.19M |
| Financing cash flow | -51.29M | 52.1M | 7.6M | 19.9M | 2.33M |
| Change in cash | -41.77M | 36.44M | 16.06M | -5.32M | 6.1M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 8-K/A — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 8-K — FIRST UNITED CORP/MD/ | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| form 4 | Form 4 — Boal Brian R. | View Filing | |
| form 4 | Form 4 — Moran Beth | View Filing | |
| form 4 | Form 4 — RUDY IRVIN ROBERT | View Filing | |
| form 4 | Form 4 — Walls H Andrew III | View Filing | |
| form 4 | Form 4 — Chadha Sanu | View Filing | |
| form 4 | Form 4 — DiPietro Christy | View Filing | |
| form 4 | Form 4 — Hessler Kevin | View Filing | |
| form 4 | Form 4 — Milon Patricia | View Filing | |
| form 4 | Form 4 — Barr John F. | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4/A — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| form 4 | Form 4 — Fisher Robert L. II | View Filing | |
| form 4 | Form 4 — Sanders Keith | View Filing | |
| form 4 | Form 4 — Sturm Tonya K. | View Filing | |
| edgar index | 8-K — FIRST UNITED CORP/MD/ | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 10-Q — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 8-K — FIRST UNITED CORP/MD/ | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| form 4 | Form 4 — Rodeheaver Carissa Lynn | View Filing | |
| form 4 | Form 4 — Rodeheaver Carissa Lynn | View Filing | |
| form 4 | Form 4 — Rodeheaver Carissa Lynn | View Filing | |
| form 4 | Form 4 — Rodeheaver Carissa Lynn | View Filing | |
| form 4 | Form 4 — Rush Jason Barry | View Filing | |
| form 4 | Form 4 — Boal Brian R. | View Filing | |
| form 4 | Form 4 — Sturm Tonya K. | View Filing | |
| form 4 | Form 4 — Sturm Tonya K. | View Filing | |
| edgar index | SCHEDULE 13G/A — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 8-K — FIRST UNITED CORP/MD/ | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 424B3 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | EFFECT — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | POS AM — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | SCHEDULE 13G/A — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | DEF 14A — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | DEFA14A — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 4 — FIRST UNITED CORP/MD/ | View Filing | |
| form 4 | Form 4 — Rodeheaver Carissa Lynn | View Filing | |
| form 4 | Form 4 — Rodeheaver Carissa Lynn | View Filing | |
| form 4 | Form 4 — Rodeheaver Carissa Lynn | View Filing | |
| form 4 | Form 4 — Rodeheaver Carissa Lynn | View Filing | |
| form 4 | Form 4 — Rush Jason Barry | View Filing | |
| form 4 | Form 4 — Sanders Keith | View Filing | |
| form 4 | Form 4 — Sanders Keith | View Filing | |
| form 4 | Form 4 — Sturm Tonya K. | View Filing | |
| form 4 | Form 4 — Sturm Tonya K. | View Filing | |
| form 4 | Form 4 — Sturm Tonya K. | View Filing | |
| form 4 | Form 4 — Fisher Robert L. II | View Filing | |
| form 4 | Form 4 — Fisher Robert L. II | View Filing | |
| edgar index | PRE 14A — FIRST UNITED CORP/MD/ | View Filing | |
| edgar index | 8-K — FIRST UNITED CORP/MD/ | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 8-K — FIRST UNITED CORP/MD/ | View Filing |